DOES A HOME WARRANTY COVER WATER DAMAGE?
Water damage is a common problem that can occur in any home. Whether it’s a broken pipe, a leaky roof, or a flood, water can cause serious damage if not addressed quickly.
If you’re dealing with water damage in your home, you may be wondering if your homeowner’s insurance policy will cover the costs. In this guide, we’ll answer that question and tell you whether or not a home warranty will cover water damage.
What is Water Damage?
Water damage is any type of damage that is caused by water. This can include flooding, leaks, and seepage.
Water damage can cause extensive damage to your home, including structural damage, electrical problems, and mold growth.
Does a Home Warranty Cover Water Damage?
Home warranties generally do not cover water damage. However, some home warranty policies may offer limited coverage for certain types of water damage.
It’s important to read your home warranty cover sheet carefully to see what is and isn’t covered.
What are the Types of Water Damage?
There are three types of water damage:
Structural Damage
A home’s structural damage is caused by the force of the water. This can include damage to the roof, walls, and foundation.
Electrical Damage
This is damage to your electrical system, including wiring and fixtures. Electrical damage can be caused by a flood, a leaky roof, or a burst pipe.
Mold Damage
Mold is a type of fungus that can grow in wet or damp areas. Mold damage can be caused by flooding, leaks, and high humidity.
What are the Signs of Water Damage?
If you suspect that you have water damage in your home, there are a few signs to look for:
- Water stains on the walls or ceilings - This is a sign that water has been seeping through the walls or ceilings.
- Mold growth - Mold can grow quickly in wet environments, so if you see any signs of mold, it's likely that there is water damage present as well.
- Damaged flooring - If your flooring is damaged, it's likely that there was water damage at some point.
- Damaged drywall or plaster - If you see damaged drywall or plaster, it's a sign that water has seeped through the walls.
- Peeling paint - If the paint on your walls is peeling, it's likely that there was water damage at some point.
- Musty smell - A musty smell is often a sign of mold growth.
- Soggy or warped ceilings - If your ceilings are soggy or warped, it's likely that there was water damage at some point.
- Bulging walls - Bulging walls can be a sign of structural damage caused by water.
What are the Common Causes of Water Damage?
There are many different things that can cause water damage in your home. Some of the most common causes include:
- Flooding - Flooding can occur due to heavy rains, storms, or a faulty sump pump.
- Leaky roof - A leaky roof can allow water to seep into your home, causing damage to the walls, ceilings, and flooring.
- Burst pipes - A burst pipe can cause extensive water damage, especially if it goes undetected for a long period of time.
- Dishwasher or washing machine leaks - If your dishwasher or washing machine leaks, it can cause water damage to your floors and walls.
- Toilet leaks - A toilet leak can cause water damage to your floors and walls.
- Sump pump failure - If your sump pump fails, it can allow water to accumulate in your basement, causing water damage.
What Does A Home Warranty Cover?
A home warranty is a service contract that covers the repair or replacement of major home systems and appliances. It’s important to read your home warranty policy carefully to see if it covers water damage and what the specific terms and conditions are.
Typical Home Warranty Coverage
SYSTEMS:
- Electrical systems
- Ductwork
- Heating
- Interior plumbing
- Water heater
APPLIANCES:
- Air conditioning (sometimes optional)
- Dishwasher
- Garbage disposal
- Pool equipment (optional)
- Refrigerator (sometimes optional, may exclude ice maker)
- Spa equipment (optional)
10 Tips for Water Damage Repair
If you’re dealing with water damage, it’s important to take action quickly. Here are ten tips for water damage repair:
1. Contact a professional
A professional plumber or restoration company can help you assess the situation and take action to prevent further damage.
2. Stop the source of the water
If possible, stop the source of the water. This could include shutting off the water main, turning off the breaker to wet appliances, or removing a flooded appliance.
3. Remove excess water
Use a mop, towels, or a wet vacuum to remove excess water from floors and furniture.
4. Open windows and doors
This will help air out the room and speed up the drying process.
5. Remove wet items
If possible, remove wet items from the affected area. This could include carpets, rugs, furniture, and clothing.
6. Set up fans and dehumidifiers
Fans and dehumidifiers will help circulate air and dry out the room.
7. Monitor the humidity level
Use a hygrometer to monitor the humidity level.
8. Check for mold growth
Mold can grow quickly in wet environments. If you see any signs of mold, contact a professional immediately.
9. Clean and disinfect
Once the area is dry, clean and disinfect all surfaces.
10. Repair damaged items
If possible, repair damaged items instead of replacing them. This could include patching holes in walls or repairing damaged furniture.
Frequently Asked Questions
1
What happens with water damage?
Water damage can cause a lot of problems in your home. If not dealt with quickly and efficiently, water damage can lead to mold growth, structural damage, and even health problems.
2
Is home warranty coverage worth it?
Home warranty coverage is worth it if you are concerned about the cost of repairing or replacing major home systems and appliances. Some home warranty companies offer limited coverage for water damage. It’s important to read your policy carefully to see what it does and doesn’t cover.
3
Is roof leak coverage included in a home warranty?
Roof leak coverage is typically not included in a home warranty. However, some home warranty companies offer limited coverage for water damage. Read through your specific policy to find out if you have coverage for this.
4
Does homeowners insurance cover water damage?
Homeowners’ insurance does not typically cover water damage. You will most likely need to purchase a separate policy specifically for water damage.
Home warranties generally do not cover water damage. However, some home warranty policies may offer limited coverage for certain types of water damage. Be sure to read the details of your specific home warranty policy to see if you are covered in the chance that any water damage occurs. If you have any questions or concerns, call the company’s customer service line.